Federal credit union · Ridgecrest, California · NCUA charter #5366
Desert Valleys
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $89.2M
- Total assets
- 5,976
- Members
- 9.2%
- Net-worth ratio
Desert Valleys scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $89.2M; members 5,976; net-worth ratio 9.20%; health rank #1,007 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,007 of 4,374 health · 2025Q4Desert Valleys · health 91/100 · $89.2M · 2025Q4
- MEM 91/100
- RANK 9.2%
- PHOTO 0.20%
- BOOK 0.86%
- CHARTER $89.2M
- NCUSIF 5,976
- CAMELS #1,007/4,374
- HEALTH Western New York
- NW 5366
Call Report peers
Desert Valleys in the assets neighbourhood
Desert Valleys's $89.2M assets sit next to Western New York ($89.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Desert Valleys vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Desert Valleys - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5366. See our deposit-insurance coverage note.
Desert Valleys: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.20% here, 0.96% peer average (-0.76 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.05 pp (52.55% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Desert Valleys: in-state Call Report ranks
- In California, health place is #63 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, Desert Valleys is #156 of 243 in California.
- Membership ranks #149 of 243 among California CUs with a reported count (5,976 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Desert Valleys
Desert Valleys: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $89.2M (2025Q4) to $89.4M (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.18% → 9.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.20% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 11.2 pts
Call Report ratios for Desert Valleys
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.20% | -4.42 pp |
| Delinquency Rate | 0.20% | -0.76 pp |
| Return on Assets | 0.86% | +0.21 pp |
| Member Growth | 2.33% | - |
| Loan-to-Share Ratio | 52.55% | -10.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Desert Valleys quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $89.4M | - |
| 2025Q4 | $89.2M | 5,976 |
| 2024Q4 | $79.0M | 5,840 |
| 2023Q4 | $64.4M | 5,138 |
Credit Union Details
- Charter Number
- 5366
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- California
- City
- Ridgecrest
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Desert Valleys, spread across 2 cities.
| Office | City |
|---|---|
| Credit Union (Main Office) | Ridgecrest, CA |
| Bishop | Bishop, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Desert Valleys nationwide neighbourhoods
Cross-state asset and health neighbours for Desert Valleys - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($89.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Desert Valleys ranks #1,007 of 4,374 nationally on financial health and #63 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vision One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vision One
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Desert Valleys financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Desert Valleys's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,007 of 4,374; by total assets it ranks #1,927 of 4,374 nationally (same basis as /rankings/largest); and #156 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.20% net worth ratio and 0.20% delinquency rate are the key drivers.
How does Desert Valleys compare to other credit unions?
PlainCU's health composite puts Desert Valleys at 91/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Desert Valleys?
Desert Valleys operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Desert Valleys directly for the exact boundaries and application steps.
Is my money safe at Desert Valleys?
Federal credit unions like Desert Valleys are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Desert Valleys's net worth ratio of 9.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Desert Valleys offer compared to banks?
Credit unions like Desert Valleys are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Desert Valleys directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.